Commercial Motor Insurance covers vehicles used for business purposes, appropriate for haulier, courier, postal, delivery, logistics, and other general business companies.
Fleet Insurance is a multivehicle policy bought by companies to cover all of its vehicles, from a minimum of two vehicles. They can all be the same type of vehicle, or different. The policyholder can choose from any driver or named drivers.
This cover can be tailored for customers with high mileage vehicles, goods-carrying vehicles, equipment-carrying vehicles and general commercial undertakings.
Unlike personal Motor Insurance, this specialist insurance offers adapted characteristics that ensure businesses can financially underwrite their commercial activities.
Commercial motor insurers also offer commercially sensitive add-ons such as cover for goods in transit, tools and public and employer’s liability.
Commercial Fleet Benefits
Insuring multiple vehicles on a fleet policy reduces administration with one renewal date and one insurer. It usually costs less than insuring each vehicle separately.
Main types of cover include Road Traffic Act only, third party only, third party, fire and theft or comprehensive. Comprehensive cover may include accidental or malicious damage, windscreen and glass cover.
Policies can be arranged to provide cover for driving in Europe, trailers, cross liabilities, legal expenses, replacement locks and replacement vehicles.
Tailored to suit your business, a Commercial Combined Insurance policy typically includes:
- Commercial cars, vans and trucks
- Single vehicles or mixed fleets
- Flexible multi-driver cover
- Goods in transit
- Stock and equipment
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